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There are Two Different Types Of Health Insurance Namely:

Indemnity health insurance; it simply reimburses individual payment according to the agreed terms of the cover. It also covers hundred percent of your costs, which is one, form of indemnity health insurance.

Managed care cover; it uses a network of physicians to provide care and keeps the cost low. Hence enabling our clients to access their health covers at flexible rates and time..

Advantages of Health Insurance

Protection from health and financial risks: No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits..

Protection from high medical costs: Health insurance protects you from unexpected, high medical costs at a time when you don’t have money in your pocket when you are sick or your children, spouse..

Paying less even before you meet your deductibles: Health insurance enables you pay less for covered in-network health care, even before you meet your deductible.

Free preventive care: With health insurance coverage you get free preventive care, like vaccines, screenings, and check-ups, even before you meet your deductible.

The fee for not being covered: If you have a Marketplace plan or other qualifying coverage, you don’t have to pay the fee that many people who don’t have coverage must pay.

Disadvantages of health insurance

Although health insurance is a blessing for most people that suffer from illness, it does have certain disadvantages that some have to be looked into carefully before you taking a health insurance plan.

Cost: Health insurance can be very costly even for those that have a health insurance plan through their employers. This cost can sometimes be so expensive that the person may struggle to make payments. This is problematic for those that have a low income or are self-employed.

Medical coverage: Actual medical coverage can also be a disadvantage to some people with health insurance. The medical coverage may not be enough to sufficiently cover the cost of tests, surgeries and procedures that need to be done. This can leave the person paying high bills for medical services and may even cause some people to refuse medical care that they need.

Pre existing conditions: some people that have a pre-existing illness have to undergo a waiting period if changing employers. In addition, after enrolling in a new group health insurance plan, if a claim is made during the first year, the insurance company has the right to "look back" to see if this was due to a pre-existing condition. If it was, the insurance company may refuse to pay for any charges related to this "pre-existing condition.

Compare Rates

Our website enables you compare more than 100 insurance brands on one search. You are also able to know the price of the policy and levels of insurance covers provided. You only have to get a quote, see what coverage’s are recommended for you, fine tune and then use them for your comparison. Contact us for more information.

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